545 16th St NW, Largo, FL 33770 Property Records

Pinellas County property record for 545 16th St NW, Largo, FL 33770

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 768 sqft · built 1949
Lot Size	0.179 acres (7,802 sqft)
Owner	2 Trust Names on File
Last Sale	$85,000 (Sep 2021)
Tax Bill	$4,337 (2025)
Deeds & Mortgages	Aug 2026 Sale Sep 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-747-9732-5`

Property Details

APN / Parcel Number

Primary APN	`C62-000-747-9732-5`
Alternative APNs	`33-29-15-29178-001-0010` `291533291780010010` `152933291780010010` `R363481`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	768 sqft Living Area
Gross Area	1,120 sqft
1st Floor Area	768 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1961
Architectural Style	L-Shape
Exterior Material	Frame/Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,802 sqft (0.179 acres)
Lot Dimensions	120 ft deep x 65 ft wide
Garage Type	Carport
Garage Area	242 sqft
Carport	Carport
Carport Area	242 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Deck Area	160 sqft
Patio Area	160 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R363481
Street Address	545 16TH ST NW
City	LARGO
State	FL
Zip	33770-2142
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOSTERS SUB BLK A, LOT 1
Legal Range	15E
Legal Township	29S
Legal Section	33
Legal Subdivision	FOSTERS SUB
Legal Tract	29178
Legal Block	A
Legal Lot Number	1
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1003
Census Tract	25204

Owner

545 16th St NW is held in a trust since August 2026.

Source: Pinellas County records, as of October 13, 2026

Owner of Record	2 Trust Names on File
Mailing Address	4526 HERON LDG, NEW PORT RICHEY, FL 34652-2067
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Sep 22, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage PROGRAM FUNDING INC
Sep 25, 2018	Loan Modification, Mortgage · Conventional Mortgage ANNA PINTO
Jun 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage RLG @ THE BEACH INC
Feb 15, 2017	Loan Modification, Mortgage · Conventional Mortgage ANNA PINTO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2021 · Amount on File
Deed Sale	Sep 22, 2021 · Amount on File
Prior Sale	Apr 27, 2015 · Amount on File
Deed Document Number	2021309504
Deed Book / Page	21725 / 2250
Last Transfer Date	Aug 27, 2026
Transfer Doc	0000234014
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PINELLAS FL
Recording Date	Aug 31, 2026
Property Address	545 16TH ST NW, LARGO, FL 33770-2142
Document Number	0000234014
Book / Page	23679 / 826
Instrument Date	Aug 27, 2026
Instrument	2026234014
Transaction Type	Transfer
Record Updated	Sep 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	4526 HERON LDG, NEW PORT RICHEY, FL 34652-2067

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Sep 22, 2021
Property Address	545 16TH ST NW, LARGO, FL 33770-2142
Document Number	0217252250
Book / Page	21725 / 2250
Map Reference	MB 26 PG 53
Instrument Date	Sep 16, 2021
Instrument	2021309504
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	GREENLEAF TITLE, GREENLEAF TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$595.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1700 66TH ST N # N104-11, 1700, ST PETERSBURG, FL 33710-5544

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	850 E LIME ST # 42, 42, TARPON SPNGS, FL 34689-4702

Mortgage

Document Number	0217252252
Date	Sep 22, 2021
Instrument	21725/2252

Lender

Name	PROGRAM FUNDING INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	PINELLAS FL
Property Address	545 16TH ST NW, LARGO, FL 33770-2142
Document Number	0203551948
Instrument Date	Sep 25, 2018
Transaction Type	Mortgage
Record Updated	Dec 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	1700 66TH ST N #104-115 ST PETERSBURG FL 337105544, 104-11, ST PETERSBURG, FL 33710-5544

Mortgage

Document Number	0203551948
Date	Dec 4, 2018
Book Page	020355/001948
Instrument	386097

Lender

Name	ANNA PINTO
Address	194 TWIN LAKE DR # E, BELLEAIR BLUFFS, FL 33770-2849

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Dec 3, 2023

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	545 16TH ST NW, LARGO, FL 33770-2142
Document Number	0196661235
Book / Page	019666 / 001235
Instrument Date	Jun 12, 2017
Transaction Type	Mortgage
Record Updated	Jul 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	1550 N MCMULLEN BOOTH RD #F3-115 CLEARWATER FL 337592510, F3-115, CLEARWATER, FL 33759-2510

Mortgage

Document Number	0196661235
Date	Jun 14, 2017
Book Page	019666/001235
Instrument	184893

Lender

Name	RLG @ THE BEACH INC
Address	9371 BLIND PASS RD, ST PETE BEACH, FL 33706-1369

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 13, 2027

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	PINELLAS FL
Property Address	545 16TH ST NW, LARGO, FL 33770-2142
Document Number	0196122009
Book / Page	019612 / 002009
Instrument Date	Feb 15, 2017
Transaction Type	Mortgage
Record Updated	Jul 5, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	1515 MCMULLEN BOOTH RD #F3-115 CLEARWATER FL 33759, F3-115, CLEARWATER, FL 33759

Mortgage

Document Number	0196122009
Date	May 2, 2017
Book Page	019612/002009
Instrument	135251

Lender

Name	ANNA PINTO
Address	194 TWIN LAKE DR # E, BELLEAIR BLUFFS, FL 33770-2849

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	84 Months
Due	May 1, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 545 16th St NW was $4,337, up 2.1% from the year before.

Source: Pinellas County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Pinellas County
Municipality	Largo City
Unified School District	Pinellas County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,337.00 (+2.07%)	$228,445 Land $136,236 Building $92,209	$228,445 Land $136,236 Building $92,209
2024	$4,249.00 (+4.3%)
2023	$4,074.00 (+9.93%)	$217,916 (+11.86%)	$217,916 (+11.86%) Land $149,053 Building $68,863
2022	$3,706.00	$194,817	$194,817 Land $138,873 Building $55,944

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 545 16th St NW in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 38 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	38 in force
Nearby Flood Claims	9 (1979–2024)
Claims Outside the SFHA	4 of 9
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 545 16th St NW is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PINELLAS COUNTY UTILITIES serves 506,353 people · EPA ID FL6521405
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2023
Lead	Under 1 ppb (2020) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	17 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 580 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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